What Loan Programs Are Available for Manufactured and Modular Homes?

We finance manufactured, mobile, and modular homes in all 50 states through every major program: FHA, VA, USDA, and conventional. That covers buying a home, one-time-close, two-time-close, and hybrid construction, rate-and-term and cash-out refinance, FHA and VA streamline refinance, renovation and home improvement, and home equity options.

Eligible Veterans can buy with zero down through VA, buyers in rural areas can use USDA with zero down, FHA needs 3.5 percent, and conventional starts as low as 5 percent. We finance single, double, triple, and quadruple-wide manufactured and mobile homes, along with modular, barndominium, and panelized homes, including metal, foam, ICP, and SIP panel construction, on permanent foundations.

Modular homes qualify on standard single-family terms, and because we underwrite in-house, our loan committee can weigh compensating factors that many lenders will not.

The right program depends on your home, your goals, and your file. Compare the programs below, then jump to the section that fits.

New to manufactured financing? See which loan program is best for you, a plain-English guide that matches your situation to the right FHA, VA, USDA, conventional, or construction loan.

Compare Manufactured Home Loan Programs

Manufactured Loans Other Lenders Cannot Close

Almost every day, someone contacts us within days of their closing date, appraisal in hand, only to learn their lender cannot close the loan because it is a manufactured home. It usually happens with a lender that lacks true manufactured expertise and said yes without realizing the property type was one they could not actually finance. Going through the whole process only to be turned away is costly and painful, and it stops people from getting the better loan they wanted, or from buying at all. None of that is your fault.

This is the problem we solve every day. We specialize in manufactured, mobile, and modular homes on fixed foundations, and our site assigns you directly to one of our banking experts so your questions get answered and a real closing strategy gets built. If we cannot help, we tell you honestly and point you toward someone who can. Before you apply anywhere, it is worth learning how to spot the top manufactured home lenders so you avoid a last-minute denial.

Refinance and Streamline Options

If you already have an FHA, VA, or USDA loan and just want a lower rate, a streamline refinance is the fastest path. The VA IRRRL, the FHA streamline, and the USDA Streamline Assist all use limited documentation and can drop your rate quickly, sometimes by half a point or more, saving tens of thousands over the life of the loan. Many of these can close in as little as two weeks. A few features of the streamline programs:

• No appraisal, inside or outside your home

• No income verification and very little paperwork

• No credit or bad credit is often fine, as long as you have had no 30-day late payments on your current loan in the last 12 months

No cash is taken out on a streamline. If you need cash for updates instead, ask about our renovation and cash-out options for VA and FHA properties.

The Top Benefits of Manufactured Nationwide

1. Jumbo loan amounts up to 4.5 million dollars on construction and up to 10 million dollars on an existing modular home, for high-cost areas and larger builds.

2. Up to 100 percent financing with genuine no money down on VA and USDA, 96.5 percent on FHA purchase and construction, and cash-out between 65 and 90 percent of value depending on program. Our in-house team can grant exceptions based on the strength of your deal.

3. One-time and two-time-close construction loans on VA, FHA, and conventional, from 95 to 100 percent of home and land, replacing three closings with one.

4. Home equity and home-updating options for owners who are near or over the lendable limit at most banks.

5. No monthly mortgage insurance on VA, and reduced mortgage insurance on USDA compared to FHA and conventional.

6. Every qualifying loan type: new construction, purchase, cash-out, debt consolidation, rate-and-term refinance, FHA and VA streamlines, and rehab.

7. Financing down to a 640 credit score on VA, USDA, and FHA, and some streamline refinances qualify with no score.

8. Up to *$50,000 dollars in extra unsecured funds on any program, before or after closing for qualified borrowers.

Why Homeowners Choose Manufactured Nationwide

For over 100 years combined, and more than 25 years as a team, we have been the go-to specialists in manufactured home loans on fixed foundations, in rural and urban locations alike, as a Top® Rated Local lender serving all 50 states. Manufactured-style loans are where we thrive, by combining in-house bank underwriting with competitive government-backed programs to offer low, fixed-rate mortgages to a market most lenders avoid. And if we cannot help, we will tell you honestly and even suggest alternatives, because the goal is the right answer for you, even when we are not the right lender.

• Every major program under one roof: FHA, VA, USDA, and conventional

• In-house underwriting, so a real loan committee weighs your full file

• Manufactured, mobile, and modular specialists, not a general lender guessing

• Licensed in all 50 states, powered by The Federal Savings Bank, NMLS 411500

• Up to 50,000 dollars in extra unsecured funds on any program

Homes We Finance, and What We Do Not

We finance manufactured, mobile, modular, barndominium, and panelized homes on a permanent foundation on land you own. We do not lend on any property on rented land, in a mobile home park, or on family land, and the home must be permanently affixed to the land before closing, unless it is a new build under our construction programs. We do not offer new dealer manufactured home loans in New York. Modular and site-built land and home construction is available in all 50 states.

Frequently Asked Questions

What loan programs are available for manufactured and modular homes?

Manufactured Nationwide offers FHA, VA, USDA, and conventional loans for manufactured, mobile, and modular homes in all 50 states. That covers purchase, one-time-close, two-time-close, and hybrid construction, rate-and-term and cash-out refinance, FHA and VA streamline refinance, renovation and home improvement, and home equity options. Modular homes qualify on standard single-family terms.

Can you finance a manufactured home with no money down?

Yes, in two cases. Eligible Veterans can finance a manufactured home with zero down through a VA loan, and buyers in eligible rural areas can use a USDA loan with zero down. FHA requires 3.5 percent down and conventional requires as little as 5 percent.

Do you finance singlewide manufactured homes?

Yes, singlewide, doublewide, triplewide, and larger manufactured homes can be financed under the standard purchase, construction, and refinance programs, on a permanent foundation. Some specialty programs, such as our in-house renovation and home equity options, require a doublewide or larger.

What credit score do you need for a manufactured home loan?

It depends on the program. We go down to 580 on FHA and VA purchase and refinance, and in some cases as low as 550 on VA. Construction loans generally start at 640 on Conventional, FHA, and VA. Some streamline refinances can qualify with no credit score at all. Because we underwrite in-house, our loan committee can also weigh compensating factors like equity, reserves, residual income, and payment history that many lenders will not consider.

Do you lend on manufactured homes in all 50 states?

Yes. Manufactured Nationwide, powered by The Federal Savings Bank, is licensed in all 50 states and specializes in manufactured, mobile, and modular home financing.

Find Your Manufactured Loan Program

Not sure which program fits? That is what we are here for. Tell us about your home and your goals, and we will match you to the right program and tell you honestly what is possible. Run the numbers first with our manufactured home mortgage calculator, then get started below.

Federal manufactured housing rules changed in July 2026, and every state now has a deadline to respond. Our guide to the 21st Century ROAD to Housing Act explains what changed, what did not, and what has to happen before any of it reaches a lender.